Bank BelVEB is considered one of the largest banks in Belarus. It has been actively working since 1991. During this time, I managed to accumulate a huge client base, which includes not only individuals, but also legally registered companies. Provides initial capital to an entrepreneur to open his own business or develop an existing one, and for an ordinary client, Bank BelVEB provides loans for consumer needs, the amount of which depends on the chosen tariff.

Tariffs for profitable lending

Large selection of loan products provided individuals allows you to make your wishes come true different categories clients. There is a possibility of registration by special conditions if there is a positive credit history.

Loans for consumer needs are issued in accordance with established tariffs:

1. "Lagodny." Issued without guarantors, for a period of 2 months to 5 years. Loan amount – up to 12,000 Belarusian rubles($6,062) for clients in the “Classic” category, up to 17,000 ($8,588) for the “Prestige” and “Premium” categories, up to 22,000 ($11,115) for the “VIP” category. The interest rate is determined individually depending on the category of the client and the loan term, ranging from 11.5 to 16.5%.
2. "Dabrabyt." Interest rate 14-15.5%, loan size from 1,000 to 50,000 Belarusian rubles ($505 – $25,261) for the categories of clients “Classic”, “Prestige” and “Premium”, up to 60,000 ($30,313) for "VIP" category. Loan term from 2 to 12 years. Clients who have taken out a loan under the Dabrabyt program have access to a deferment on the payment of the principal debt for 6 months from the date of receipt of the loan.
3. "Asables." Loan from 500 to 3,000 Belarusian rubles ($252 – $1,515) at 15/15.5% per annum for 1 or 2 years. Under this program, a deferment on the payment of the principal debt is available for 2 months from the date of receipt of the loan.
4. "Spryntar". Loan amount – up to 12,000 ($6,062) Belarusian rubles for clients in the “Classic” category, up to 17,000 ($8,588) for “Prestige” and “Premium”, up to 22,000 ($11,115) for the “VIP” category . Loan term from 2 to 48 months. Interest rate from 11.5 to 16.5%. Review of the application within 1 hour.

There are tariffs that allow you to activate an overdraft. The offer applies to customers receiving wages to a bank card.

Basic requirements for clients when applying for a loan

Requirements for the borrower depend on the choice credit product. Thus, “Asablivy” and “Lagodny” are issued to citizens of Belarus aged from 21 to 63 years for women, from 24 to 68 years for men, with a passport with permanent residence in the Republic.

Persons without Belarusian citizenship are allowed to register, but then they must present a residence permit.

“Assemblies” are issued without income certificates and guarantors. Consumer credit is not provided non-working pensioners, individual entrepreneurs and their employees. But to register “Lagodna” you already need income certificates, as well as to register “Spryntar. Only the requirements for the age of the borrower have been changed: for women 21 – 63 years old, for men 21 – 68 years old. Spryntar can take out a consumer loan individual entrepreneur, if they officially confirm income for the last three years.

To take out a loan from Dabrabyt, you need to meet the following bank requirements:

• age of women 21 – 63 years, men 21 – 68 years;
• citizenship of Belarus;
• passport;
• permanent registration on the territory of the Republic of Belarus;
• income certificate;
• guarantee (up to 30,000 Belarusian rubles ($15,156) – 1 guarantor, from 30,000 – 2 or more);
• a set of the same documents from the guarantors.

Categories of clients of BelVEB Bank: “Classic”, “Prestige”, “Premium”, “VIP”

As you have already noticed, loan terms depend on what category of clients you belong to. Let's take a closer look at each of them.

1. VIP clients are salary earners and bank employees whose monthly income over the last 3 months was not less than $2,500.
2. There is at least $100,000 in the accounts of Bank BelVEB.
3. Over the past six months, the account balance has not been below $50,000.
4. There is a loan open for at least a year, paid without delay, in the amount of $100,000 or more.

After a client no longer meets the VIP category, his status is retained for six months.

1. Salaries and bank employees whose monthly income over the last 3 months was not less than $1,000.
2. There is at least $40,000 in bank accounts.
3. Over the past six months, the account balance has not been below $20,000.
4. There is a loan open for at least a year, paid without delay, in the amount of $40,000.

1. Salaries and bank employees who have had at least one receipt of funds over the last 3 months.
2. Individual entrepreneurs - participants salary project who have made at least one salary transfer over the last 3 months from accounts opened with BelVEB Bank.
3. Over the past six months, the account balance has not been below $1,000.
4. There is an open loan, repayable for at least a year without delays.

1. Individuals who do not belong to the categories “VIP”, “Premium”, “Prestige”.
2. Persons who have a loan from a bank and have been overdue for more than 30 days (or have bad debt) during last year using a loan, even if the loan expired a year ago.

Methods of obtaining and paying a loan

BelVEB Bank is one of the best banks that ranks good position among many banks in Belarus. The bank has extensive experience and a good reputation abroad and domestic market currencies OJSC Bank BelVEB began its work in 1990 as National Bank Belarusian Republic. Bank BelVEB Minsk is located in this city. The bank provides clients with favorable services and offers. One of these services is lending.

Consumer loan

A consumer loan is a simple and convenient way to get money for your goals. In addition, the money will be in your hands within a few days. Do you want to go on holiday abroad or buy something for your home? BelVEB Bank will help you with this with the help of a consumer loan. With a loan from BelVEB Bank you will forget about money problems once and for all.

The positive aspects of cooperation with this bank are that you can quickly receive the required amount, conveniently and hassle-free to repay your loan. The bank is a reliable assistant in solving financial problems and problems.

Consumer loan

1. Sprintar. Loans are issued from one to sixty million Belarusian rubles. If you belong to the VIP category, then maximum amount The loan will amount to eighty million Belarusian rubles. The loan term is valid from two months to four years. When applying for such a loan, you do not need guarantors.
2. Well-being. The loan is issued in the amount of three to three hundred million Belarusian rubles. If you belong to the VIP category, then the maximum loan amount will be increased to four hundred and fifty million Belarusian rubles. The loan is issued for a period of one to five years. When concluding such a loan, you will need guarantors.
3. Mutual benefit. Loans are issued from three to three hundred million Belarusian rubles, for VIP clients - up to four hundred and fifty million Belarusian rubles. The loan is issued for a period of one to five years. Here you cannot do without a security deposit of money.
4. Spare money. Such a loan is issued from one to twenty million Belarusian rubles, for VIP clients - up to thirty million Belarusian rubles. You do not need guarantors to apply for a loan.

Credit cards

Line of credits when used bank card– a profitable and convenient type of consumer loan for clients. If you have a card, then you don’t have to worry about what will happen tomorrow - even if something happens, you will always have money.

The positive aspects of using the card are that interest for using credit funds will only accrue on the amount of credit you used. You can also make non-cash payments in trade and services in Belarus and abroad - and you will not pay any commissions. You will also be able to repay the loan in full or in part over the long term, also without fees. Another big advantage is that the bank does not control where and for what you use the loan.

Credit cards from Belweb Bank – video

1. Spine. Such a loan is issued from one to seventy million Belarusian rubles; if you are a VIP client, then the maximum amount is increased to ninety million rubles. You do not need any guarantors to issue and process a loan.
2. Good start. The loan is issued from ten to three hundred million Belarusian rubles, if you are a VIP client, then up to four hundred and fifty million Belarusian rubles. The loan is valid from two to seven years.
3. Ground reserve. Loan from three to one hundred million Belarusian rubles, for VIP clients – up to one hundred and thirty million Belarusian rubles. The loan term is up to five years. Here you will need guarantors.
4. Mutual benefit. Loan from three to three hundred million Belarusian rubles, for VIP clients – up to four hundred and fifty million Belarusian rubles. The loan term will be three years or five years (here you choose yourself).

You can also call the bank or come to a bank branch to clarify all the information about lending. Bank employees will answer all your questions and help you choose the loan that will be more convenient and profitable for you. Our employees value your time and take an individual approach to each client and his request.

Internet bank

Now you don’t have to go to a bank branch to write an application, clarify something, or find out something.

Internet bank

Internet bank BelVEB will help you with this. By visiting the BelVEB Bank website, you can independently familiarize yourself with all the information about banking services, proposals, draw up and send an application to the bank and much more. Using the site, you can also find out the addresses and telephone numbers of Bank BelVEB Gomel and Bank BelVEB Vitebsk.

Credit refinancing

With the help of the bank, you can now refinance previously received loans from banks in Belarus.

Credit refinancing

1.Away from separation. From three to three hundred million Belarusian rubles, for VIP clients – up to four hundred and fifty Belarusian rubles. This loan is issued for a period of one to five years. You will also need to provide guarantors for processing and issuing loans.

2. Successful agreement. Issued in amounts from three to seventy-five million Belarusian rubles. The period will be from one to five years. For such a loan you do not need guarantors.

Purchasing a vehicle

Everyone wants to have a personal car, because it is a great comfort when traveling. But not all dreams come true, and not everyone can have a personal car. With a loan for vehicle you can make your dream come true, and BelVEB Bank, which created profitable terms for clients. You don't have to collect personal money for a long time. You can take out a loan from a bank at any convenient time, and you will be able to buy a car much faster. There is no need to put your dreams aside, especially if they can come true tomorrow.

Vehicle registration

1. First owner. You will be able to purchase a new passenger car, the loan amount will be from ten to four hundred and fifty million Belarusian rubles, for VIP clients - up to six hundred million Belarusian rubles. The loan term will range from one to seven years.
2. Practical car. Such a loan is issued in an amount from ten to four hundred and fifty million Belarusian rubles, for VIP clients - up to six hundred million Belarusian rubles. The loan term is valid from one to five years.

With BelVEB Bank your life will become much easier. You can forget about it forever money problems and live to the fullest!

Belweb Bank – video

• 1. You can use the “Loan repayment” service in the “Settlement” system using the remote banking self-service channels of any bank (except for OJSC Bank BelVEB and partner banks). To do this, you need to go to the “Calculation” system catalog in the “ Financial services» / “Banks” select “Bank BelVEB” and activate the “Loan repayment” service. Next, you will be asked to enter the loan account number in IBAN account format: BYХХ BELB 24XX XXXX XXXX X022 6000 You can check the loan account number by contacting the office of Bank BelVEB OJSC at the place where the loan was issued.

! With the help of the "Calculation" system you can only make current payment on loan. If you want to repay the loan early or pay the loan a larger amount than indicated in the chart - please contact an economist at the bank office.

• 2. To make payments on loans, the repayment of which is carried out by writing off Money from a current (settlement) bank account, you need to select “BelVEB Bank” in the “Settlement” system catalog in the “Financial Services” / “Banks” section and activate the “Account Top-up” service. Next, you will be asked to enter the current account number (IBAN account format: BYXX BELB 3014 XXXX XXXX X022 6000) and the Payment Amount (you can specify an amount from 3 rubles to 100,000 rubles). The commission for crediting funds to the current account is charged according to the bank's tariffs.

*Payments made through the Calculation system are received by Bank BelVEB OJSC on the next business day after they are made.

Maxim Demchenko

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BelVEB Bank offers consumer loans for any purpose, including real estate financing. The editors of the Bankonomics portal have studied all the Bank’s offers and are ready to help in choosing the optimal loan product.

The Bank provides differentiated terms for loans for main clients and preferential categories of borrowers.

Individual entrepreneurs and their employees, as well as pensioners who are not officially employed, will not be able to use the Asabliva loan. For those who want to get money quickly, this loan is not suitable - the application review period reaches 4 working days.

"Lagodny" and "Spryntar" offer to use credit amounts up to 22,000 Belarusian rubles without guarantee. The client will receive an answer about the possibility of providing a loan within an hour after submitting the application.

Lending terms

Lending conditions differ depending on the type of loan product and category of the client.

General terms

A borrower whose age has reached 21 years has the right to receive from 500 (1,000) to 60,000 rubles in domestic currency. The loan term to choose from is from 12 months to 12 years. “Abslivy” provides for a lending period of up to 1 or 2 years. The interest rate varies from 12.5 to 14.9%. If you fail to pay the minimum payments on time, the bank applies penalties in the amount of 0.1% of the total debt for each day of delay.

Features of providing loans

The bank divides all clients into categories. There are 4 of them in total: VIP, Prestige, Premium and Classic. The conditions for entering the category are quite varied, but the main criterion is the amount of funds that passes through bank accounts every month.

The more money a client receives and spends, the higher his category and the more favorable loan conditions he can receive:

• the maximum amount of each type of consumer loan will be available to only VIP clients;
• also for VIP, Premium and Prestige class borrowers, interest rate for each type of loan will be reduced;
• borrowers belonging to the “Classic” category will receive only the possible minimum amount of funds.

For the Lagodna loan proposal, another group of beneficiaries is taken into account - specialists from organizations cooperating with the bank. They are offered a price reduction credit funds up to 0.01% for up to six months. The duration of benefits is determined on an individual basis. Thus, clients who have salary (pension) cards and deposits for a certain amount in BelVEB will be able to take full advantage of the offers.

When it changes financial situation BelVEB proposes to reconsider the terms of the loan agreement. To do this, you must provide supporting documents and not have any late payments.

Requirements for the borrower

The lender has the right to establish its own requirements for the borrower depending on domestic policy organizations. With their help, the bank guarantees the fulfillment of obligations under contracts.

General requirements

To take out a loan, a potential borrower must meet the following requirements:

1. Citizenship of the Republic of Belarus or residence permit;
2. Permanent registration in the country, in particular, in the region where the bank branch operates.
3. Regular income, documented.
4. Work experience in one workplace for at least 3 months.

The minimum net income of the borrower must be higher than the minimum loan payment by 50% or more.

Since bank managers must verify the information, the borrower needs to provide valid business phone numbers, as well as an active contact number.

Preferential requirements

Individual entrepreneurs and partner legal entities who are provided with preferential terms, to receive a loan must fulfill their obligations to various authorities. If there are debts to the tax service, the state budget or to employees, favorable conditions do not apply. In addition, such irresponsibility may cause a loan refusal.

To receive an Asablivy loan, the minimum age for men is 24 years. To use the other three products, men are required to have a deferment from military service or a military ID with a mark on its completion.

Required documents

The borrower can confirm the ability to pay the loan by providing the relevant documents.

Mandatory

From mandatory documents First of all, they provide a passport of a citizen of the Republic of Belarus or a passport foreign citizen with a certificate of issued residence permit. You will need original documents and copies of their pages (taken at the bank).

You also need information about income:

• certificate of income from work;
• certificate of income of the individual entrepreneur in the form of the Bank;
• certificate from the Pension Fund about pension accruals.

Persons having salary cards at BelVEB Bank for a period exceeding 3 months are exempt from providing income certificates.

Men under 27 years of age must prepare a certificate from the military registration and enlistment office, a military ID with data on the passage military service or a certificate of deferment for the duration of the loan.

At a bank branch, a potential borrower fills out an application form for the provision of funds.

Additional

Individual entrepreneurs, in addition to confirming solvency, must provide an extract from tax service about the absence of debt, as well as a business registration document and a license for certain activities.

The same list of documents is provided by the guarantor if necessary.

How to get a loan

BelVEB offers to apply for a loan through its official website or directly at its inpatient department. The client chooses the most convenient option for him.

Through the Internet

The application on the BelVEB website is preliminary in nature and does not oblige you to anything.

The application must fill in the following fields:

• current phone number;
• E-mail address.

In the office

If the client wants to apply for a loan directly at a bank branch, he must find the nearest office. You can contact help desk or look on the website.

On the BelVEB website you can sort offices by city and find the nearest one.

On home page open the tab “Offices and ATMs” - “Offices”. Next, select a locality. For convenience, you can use the following options:

• show nearest;
• are working now;
• work on Saturday;
• automatic safes.

After this, the list or labels of branches on the map will be loaded.

Methods of obtaining

BelVEB Bank offers to receive the necessary amounts by bank transfer. Upon signing loan agreement The client's deposit account is automatically opened. It is also possible to transfer the amount to the account of another bank specified by the borrower.

Repayment methods

“Lagodny” and “Dabrabyt” provide a differentiated method of repayment. “Asoblivy” and “Spryntar” are repaid differentially for the first two months, and later a transition to annuity payments is possible.

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